SocietyOneSocietyOne Secured Personal Loan (Broker)
Secured fixed-rate personal loan from $5,000 to $70,000 over terms of 2, 3, 5 or 7 years, available through accredited brokers. Asset collateral is required. Rates are personalised to your Equifax OneScore credit band and chosen loan term, determined at application time via SocietyOne's credit assessment.
At a glance
- Pricing
- Rates on application
- Fixed
- 7.49%
- Loan size
- $5,000 to $70,000
- Upfront fee
- $50
Rates
Every rate SocietyOne publishes for this personal loan, 28 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedCredit band AA1 (Equifax OneScore 875-2000). Fixed rate of 7.49% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at app… | P&I | 5 yrs fixed | - | 7.49% | - | - |
| FixedCredit band AA2 (Equifax OneScore 802-874.99). Fixed rate of 9.24% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 5 yrs fixed | - | 9.24% | - | - |
| FixedCredit band AA3 (Equifax OneScore 756-801.99). Fixed rate of 10.74% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at… | P&I | 5 yrs fixed | - | 10.74% | - | - |
| FixedCredit band AA4 (Equifax OneScore 712-755.99). Fixed rate of 11.24% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at… | P&I | 5 yrs fixed | - | 11.24% | - | - |
| FixedCredit band A1 (Equifax OneScore 687-711.99). Fixed rate of 12.49% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 5 yrs fixed | - | 12.49% | - | - |
| FixedCredit band A2 (Equifax OneScore 662-686.99). Fixed rate of 13.64% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 5 yrs fixed | - | 13.64% | - | - |
| FixedCredit band A3 (Equifax OneScore 626-661.99). Fixed rate of 14.64% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 5 yrs fixed | - | 14.64% | - | - |
| FixedCredit band B1 (Equifax OneScore 601-625.99). Fixed rate of 15.99% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 5 yrs fixed | - | 15.99% | - | - |
| FixedCredit band B2 (Equifax OneScore 578-600.99). Fixed rate of 16.79% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 5 yrs fixed | - | 16.79% | - | - |
| FixedCredit band B3 (Equifax OneScore 558-577.99). Fixed rate of 17.79% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 5 yrs fixed | - | 17.79% | - | - |
| FixedCredit band B4 (Equifax OneScore 539-557.99). Fixed rate of 18.79% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 5 yrs fixed | - | 18.79% | - | - |
| FixedCredit band C1 (Equifax OneScore 500-538.99). Fixed rate of 19.89% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 5 yrs fixed | - | 19.89% | - | - |
| FixedCredit band C2 (Equifax OneScore 488-499.99). Fixed rate of 21.39% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 5 yrs fixed | - | 21.39% | - | - |
| FixedCredit band C3 (Equifax OneScore 464-487.99). Fixed rate of 22.39% p.a. for a loan term of 2 to 5 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at a… | P&I | 5 yrs fixed | - | 22.39% | - | - |
| FixedCredit band AA1 (Equifax OneScore 875-2000). Fixed rate of 8.49% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applicat… | P&I | 7 yrs fixed | - | 8.49% | - | - |
| FixedCredit band AA2 (Equifax OneScore 802-874.99). Fixed rate of 10.24% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at appli… | P&I | 7 yrs fixed | - | 10.24% | - | - |
| FixedCredit band AA3 (Equifax OneScore 756-801.99). Fixed rate of 11.74% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at appli… | P&I | 7 yrs fixed | - | 11.74% | - | - |
| FixedCredit band AA4 (Equifax OneScore 712-755.99). Fixed rate of 12.24% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at appli… | P&I | 7 yrs fixed | - | 12.24% | - | - |
| FixedCredit band A1 (Equifax OneScore 687-711.99). Fixed rate of 13.49% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 13.49% | - | - |
| FixedCredit band A2 (Equifax OneScore 662-686.99). Fixed rate of 14.64% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 14.64% | - | - |
| FixedCredit band A3 (Equifax OneScore 626-661.99). Fixed rate of 15.64% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 15.64% | - | - |
| FixedCredit band B1 (Equifax OneScore 601-625.99). Fixed rate of 16.99% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 16.99% | - | - |
| FixedCredit band B2 (Equifax OneScore 578-600.99). Fixed rate of 17.79% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 17.79% | - | - |
| FixedCredit band B3 (Equifax OneScore 558-577.99). Fixed rate of 18.79% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 18.79% | - | - |
| FixedCredit band B4 (Equifax OneScore 539-557.99). Fixed rate of 19.79% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 19.79% | - | - |
| FixedCredit band C1 (Equifax OneScore 500-538.99). Fixed rate of 20.89% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 20.89% | - | - |
| FixedCredit band C2 (Equifax OneScore 488-499.99). Fixed rate of 22.39% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 22.39% | - | - |
| FixedCredit band C3 (Equifax OneScore 464-487.99). Fixed rate of 23.39% p.a. for a loan term of 7 years. The rate is fixed for the full loan term. Your credit band and actual rate are determined at applic… | P&I | 7 yrs fixed | - | 23.39% | - | - |
Fees
6 fees published, grouped by when they're charged.
When you take it out4
- Broker fee
A broker fee may be charged. The fee is variable, set by your broker, and added to the loan amount. Ask your broker for details before applying.
Varies - Establishment fee (credit band AA1)
One-off establishment fee of $50 for applicants assessed in credit band AA1 (Equifax OneScore 875-2000).
$50 - Establishment fee (credit bands AA4 to AA2)
One-off establishment fee of $545 for applicants assessed in credit bands AA4 to AA2 (Equifax OneScore 712-874.99).
$545 - Establishment fee (credit bands C3 to A1)
One-off establishment fee of $645 for applicants assessed in credit bands C3 to A1 (Equifax OneScore 464-711.99).
$645
When particular things happen2
- Dishonour fee
Charged when a repayment is dishonoured.
$15 - Late payment fee
Charged when a repayment is not received by the due date.
$35
Features
Extra repaymentsInstant paymentsDigital banking
Eligibility and limits
- Minimum age 18
- Residency: Australian citizen or permanent resident
- Employment: Must be currently employed
- Minimum income $30,000
- Available to individuals
- Amount $5,000 to $70,000
- Asset collateral is required. The asset must meet SocietyOne's collateral eligibility criteria.
- Applications for this product are accepted through accredited brokers only.
- Loan terms of 2 years (P2Y), 3 years (P3Y), 5 years (P5Y) or 7 years (P7Y). The loan must be secured by an eligible asset.
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Published by SocietyOne under the Consumer Data Right, last changed by them on 7 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.